Library: Chinese | Bankruptcy (Chinese) Your right to a financial fresh start. 破產法案得以通過是為了給人們一個新的開始﹐也是給債務困身的消費者一個有組織有系統的方法還債給貸款公司。

Bankruptcy laws were passed in order to give people a fresh start, and to give debt-burdened consumers an organized, systematic way of paying back creditors. This publication outlines new rules for filing personal bankruptcy that became effective in October 2005. Filed Under: Money Management on Dec 01, 2006

Library: Chinese | ID Theft & Account Fraud (Chinese) Prevention and Clean Up. 所謂身份盜用犯就是一個騙子冒充別人的身份來非法牟利或是因為想要以新身份來掩飾自己。身份盜用犯﹐又稱為ID盜用犯﹐其之所以會產生就是騙子使用了你的個人資料來行騙或犯罪。此手冊能協助你採取行動預防身份被盜用﹐或是如果你已是受害者﹐如何清理身份盜用犯惹出來的麻煩以及減少它對你生活的衝擊。

An identity thief is an imposter who assumes another person’s identity in order to profit illegally or because the thief wants to hide behind a new identity. Identity theft—or ID theft—occurs when the imposter uses your personal information to commit fraud or other crimes. This publication can help you take steps to prevent ID theft, or if you are a victim, to clear up the problems created by ID theft and to lessen its impact on your life. Filed Under: Privacy Rights Fraud/Scams on Oct 26, 2006

Library: Chinese | California Car Buyer’s Bill of Rights (Chinese) . 由2006年7月1日開始, 有一項重大的新聞是與加州購車者有關的。這項購車者權利法案將改變加州成千上萬的汽車買賣方式。

California car buyers have important new rights beginning July 1, 2006. The Car Buyer’s Bill of Rights will change the way millions of cars are bought and sold in California. Filed Under: Cars on Jun 16, 2006

Library: Chinese | Choosing a Wireless Service Provider (Chinese) . 無線通訊公司提供各種各樣的服務項目、通話計劃及各種手提電話。無線通訊廉价的設備及費率使得許多個人及家庭都可以負擔得起。再加上當今的手機不僅可以用來通話,還可以照相、瀏覽網頁、發電郵、玩電子遊戲等等。有這麼多的選擇,你得小心謹慎地找出最適合自己的一款。

The wireless world offers broad choices among service providers, calling plans, and phones. Low-priced equipment and rates make wireless calling affordable for many individuals and families. Plus, today's cell phone is not just for talking - it can be used to snap photos, surf the Internet, send email, play games, and more. With so much to choose from, it can be a challenge to figure out what's best for you. Filed Under: Telephone on Jun 12, 2006

Library: Chinese | Building and Keeping Good Credit (Chinese) . 本文說明何謂信用記錄﹑什麼是信用報告﹑如何得到個人信用報告、如何建立良好信用﹐以及在發生困難時向哪一個機構投訴。

A fact sheet that explains what credit history is, what a credit report is, how to get your credit report, how to establish good credit and where to complain if you have a problem. Filed Under: Credit on Apr 01, 2006

Library: Chinese | How to send money home (Chinese) Tips for transferring money overseas. 很多移民會將賺來的錢匯寄一些給故鄉的親朋好友。匯款到海外有幾種方法, 為了協助大家, 這本刊物對於各類匯款公司有詳盡之解說。

Many immigrants send some of their earnings to relatives and friends in their home countries. There are several ways to transfer money overseas. This publication explains the different types of companies that can help with this task. Filed Under: Banking on Jan 06, 2006

Library: Chinese | Just Say NO! To Senior Scams (Chinese) . 每個人都應該對詐騙提高警覺﹐但是老年人有時候特別容易上當受騙。手冊列明許多騙局的偽裝手法﹑特別提醒老年人易被針對的詐騙。也包括“騙局跡象” 及各種避免受騙的要訣。

Everyone must be on guard against scams, but seniors can sometimes be more vulnerable to fraud. This brochure outlines the many guises of fraud, with special attention to scams that target seniors. Signs of fraud and tips for avoiding scams are included. Filed Under: Fraud/Scams on Nov 02, 2005

Library: Chinese | Credit Cards - What You Need To Know (Chinese) . 很多人使用信用卡 ﹣但是他們明白信用卡公司合約書上面那些專業用詞嗎？本手冊的編排內容專為協助讀者了解各類信用卡，讓你分類挑選最適合自己的，並可看懂信用卡合約書專業用詞以及條件，避免付費及罰金。

Most people use credit cards—but do they know the terms of the agreement they have with their card issuer. This brochure is designed to help readers understand the different types of cards available; sort through offers to choose the card that's right for them; understand credit card terms and conditions, and avoid fees and penalty rates. Filed Under: Credit Cards on Oct 13, 2005

Library: Chinese | Micro Business Basics (Chinese) Building a sound financial foundation. 此手冊對於開創小型商業及財政經營提供了許多基本概念。小型商業是很小的公司由業主和幾位員工甚至沒有員工來經營。很多小型商業起源自個人愛好或是一個挺不錯的主意。小型商業也有資格貸款協助拓展至較大區域﹑全國或成為連鎖企業。

Micro businesses are very small companies run by their owners with few employees. They are often home-based, with annual sales under $250,000 and few assets, but they can qualify for loans to help them grow into large regional, national or franchise businesses. Filed Under: Money Management on Apr 01, 2005

Library: Chinese | Poor Credit means Higher Interest Rates - How to avoid bad loans (Chinese) . 此手冊內容是關於信用不佳者所能申請得到的“次級”貸款。當消費者信用太差時，他們的房屋、汽車或信用卡等貸款利率都會比一般的公平價目高，這些人很容易成為所謂掠奪性不良借貸交易的受害者。本文涵蓋合法貸款案例、不良借貸預警訊號、如何避免成為受害者、書面投訴方法及相關諮詢協助資源等。

This brochure addresses "subprime" loans offered to people with credit problems. While consumers with poor credit can find fairly priced mortgages, car loans and credit cards at higher-than-average rates, this population is easily victimized by very bad deals called predatory lending. This brochure covers illegal lending practices, warning signs of bad loans, how to avoid becoming a victim, filing a compaint and resources for advice and assistance. Filed Under: Credit on Apr 01, 2004